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Cyber Attack Vector… the Human Operating System is 100% Vulnerable Cyber-attacks are through the roof. Numbers from the FBI, Verizon Breach Report, The Ponemon Institute and nearly every industry source all agree the number of attacks are dramatically increasing. We have all heard of Target, Neiman Marcus and so many others. So the question i...

“Let’s create a new institution [DotEveryone] and make Britain brilliant at the internet,” said Martha Lane Fox, co-founder of LastMinute.com, during her 2015 Richard Dimbleby Lecture screened live last night on BBC TV. The DotEveryone campaign Lane Fox launched during her televised address to the nation from the Science Museum, London, calls for a...

When we consider mobile payments, we often misjudge customers' willingness to embrace adoption. This is because mobile devices are only the start of a new customer journey. Customers are not switching...

Mobile payments are on the move. Presumably, it’s only a matter of time before Apple Pay leaps across the ‘pond’ from the US to begin the effort to create a global market. With contactless card use a...

As we overcome the ‘hype cycle ‘ with mushrooming technology innovations , banks in their quest for a ‘Next generation Banking ‘ model with ‘social media’ will have a forward integration with the dig...

Having taken several years to get through the review of MiFID, it was interesting to hear from ESMA chair Steven Maijoor last week that there is an appetite to “explore the mechanisms to address regul...

The definition of short circuit: “to force termination of an ongoing process before its natural conclusion by bypassing one or more intermediary steps” (Source: Wiktionary). Established industries ope...

It’s not often that we get to write about the only global report on crowdfunding worth talking about. And this one’s doubly special, as we’ve waited for over two years to receive this report by Masso...

In the digital world, the advent of social media, mobile including the smartphone takeover means that a population traditionally deemed too young to take financially independent decisions are in fact ...

According to the Future of Finance report by Goldman Sachs, 33% of millennials do not think they will need a bank in the next five years[1]. In fact, according to the Millennial Disruption Index, 73% ...